Movie Claim Monday: where our insurance minds speculate whether certain incidents in the cinematic universe would in fact be considered a covered claim.*

This week’s movie claim Monday is on Despicable Me 2**. Again, I have a 2 year old, the only movies I watch anymore are cartoons. So here we go! This one isn’t exactly on claims, rather than just the coverages needed. The scene I’m going to be going into is when Gru and Lucy break into Salsa & Salsa restaurant to see if the bad guy they are looking for is El Macho (spoiler alert: it is!).

El Macho better have some small business insurance. There is property damage to most of his tables and chairs and a hole gets put in his ceiling. He would want property coverage as well as loss of use, since he may have to close down while repairs are made.

Also, his business coverage would be useful for the safe that is broken into, but the coverage may not apply, as not valuable was taken and the only valuable in there was a jar of salsa.

The mall would also want good property insurance, as the minions break quite a bit of glass driving a car through the side wall. Lots of damage and lots of clean up.

Finally, how would Lucy’s car be covered? I mean, it obviously needs auto insurance, but it is also a submarine and an aircraft. Three insurance policies seems a bit excessive, so maybe she can find a non-standard carrier that can create a custom policy for her specific vehicle. You never know.

*Disclaimer: Each insurance policy is different, and while we speculate here for enjoyment purposes, you will need to discuss your insurance policy directly with your agent or CSR. Our speculations here are in no way an indication that a similar occurrence would in fact be covered.

**All characters described and mentioned are copyrighted by Universal Pictures

Movie Claim Monday: where our insurance minds speculate whether certain incidents in the cinematic universe would in fact be considered a covered claim.*

It’s the holiday season, so this movie claim Monday is going to be on a fun Christmas movie: The Santa Claus. I personally prefer the second Santa Claus movie, but I digress. Because this move came out over 20 years ago, I shouldn’t be spoiling it for anyone. So here we go!

Let’s start with where the action really starts—Santa falling off the roof. Does Santa have life insurance? I sure hope so! His profession, while fun, seems awful dangerous.

And from that same scene, who is at fault? I mean, while it is Scott Calvin (played by Tim Allen) who startles Santa causing him to slip and fall (which happens quite often as a homeowner’s claim), Santa is technically trespassing on private property.

The next one I noticed is a bit later on when the naughty and nice list gets delivered to the new Santa’s home. He just leaves the door open for the delivery driver, and it stays open after the driver has left. What happens if one of those boxes was stolen? Could the naughty/nice list be considered valuable papers? If so does he need to schedule them for to be covered properly?

Last, Charlie’s (Santa’s son) “disappearance”. Yes, we as the audience know that he went with Santa to the north pole, but his mom doesn’t know that. She believe he was kidnapped. She might have been more prepared if she had kidnap insurance (yes, that is a real thing!). Just saying.

*Disclaimer: Each insurance policy is different, and while we speculate here for enjoyment purposes, you will need to discuss your insurance policy directly with your agent or CSR. Our speculations here are in no way an indication that a similar occurrence would in fact be covered.

Movie Claim Monday: where our insurance minds speculate whether certain incidents in the cinematic universe would in fact be considered a covered claim.*

This week’s movie claim Monday is on Disney’s Beauty and the Beast** (the new one), simply because the writer of this blog has a two year old and that is the only movie we have been watching for the past month. Disregarding the fact that this is taking place in revolution-era France, there are a few parts in this movie that the insurance agent in me kept noting:

-During the Gaston song, Gaston uses his gun and shoots the ceiling. Would the business insurance cover that? Maybe—it could be considered vandalism. But if he owns the tavern, as it seems that he might, then no, because he (the owner) is knowingly damaging his own property.

-In terms of homeowner’s insurance, would the castles crumbling walls be covered? Nope. Though it is due to magic, I still think it is wear and tear and that is never covered by any homeowner’s insurance.

-Lastly, would the enchanted objects need life insurance or would they just be considered personal property? Not like they’re constantly being destroyed or anything, but near the end Chip almost gets smashed to smithereens, and I just have to wonder if and how he would have been covered.

*Disclaimer: Each insurance policy is different, and while we speculate here for enjoyment purposes, you will need to discuss your insurance policy directly with your agent or CSR. Our speculations here are in no way an indication that a similar occurrence would in fact be covered.

For this month’s movie claim Monday we wanted to share a list of actors injured on set. On site job injuries are usually paid through the company workers comp policy. This list does not specify if a claim was made or of any kind of pay out. We just imagine these instances would be covered losses.

Sometimes, the show really must go on. They may play larger-than-life characters on screen, but actors are human and sometimes get the short end of the stick when it comes to on-set injuries. Here are 19 times where big stars were in the wrong place at the wrong time. 1.

Movie Claim Monday: where our insurance minds speculate whether certain incidents in the cinematic universe would in fact be considered a covered claim.*

Our movie today is Fast Five. As the eighth installment of this series just came out, we shouldn’t be spoiling the plotline for you. The scene we are looking at is where the team (specifically Dom and Brian steal a large safe (bank vault) by attaching it to the back of their Dodge Chargers and cause massive damage during a very intense police chase. So here is where our insurance minds took us:

-The special upgrades on the Chargers are pretty awesome. Hopefully they notified their insurance carrier of those upgrades—they can be covered by comprehensive or collision if they are noted on the policy.

-Surprisingly, the only human injuries seem to be to the drug dealing cops, so that’s less liability to worry about.

-Speaking of liability, I sure hope they have super high limits with a huge umbrella policy. The damage done to buildings (like the bank) and all the other little structures would be millions in damage. I would venture they needed a $10 million umbrella for that kind of stuff.

-But, by far the biggest issue is that they are in Brazil. So unless they have an insurance policy for Brazil, it won’t be covered by any policy in the US. But they make millions off this particular situation, so they can just pay for it all themselves if need be.

*Disclaimer: Each insurance policy is different, and while we speculate here for enjoyment purposes, you will need to discuss your insurance policy directly with your agent or CSR. Our speculations here are in no way an indication that a similar occurrence would in fact be covered.